Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already include readOnlyHint: true, idempotentHint: true, and destructiveHint: false, covering safety. The description adds value by specifying that it explains 'deterministic primary NAICS overlap' and is not an eligibility determination, which is behavioral context beyond the hints. However, it doesn't detail the exact nature of the explanation (e.g., textual vs visual) but that is partially covered by having an output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.